Addenda Records
Learn how PCE handles ACH addenda records—adding up to 80 characters of supplemental info for PPD, CCD, WEB, or TEL entries—to improve reconciliation and reference clarity.
Addenda records let you append extra information—like invoice numbers or customer IDs—to ACH entries.
Prerequisites
- ACH origination enabled on your PCE merchant account
- Supported only for PPD, CCD, WEB, and TEL entries
Limitations
- Single addenda record per transaction, max 80 alphanumeric characters
Compliance / Regulation Mandates
Nacha Requirements
Every addenda record must follow Nacha’s formatting rules (80-character maximum, ASCII text).
Data Retention
Retain addenda content in your records for at least 2 years to support audits and dispute resolution.
Privacy & Security
Ensure any sensitive info in addenda (e.g., customer IDs) complies with GDPR/CCPA and is masked as needed.
An addenda record is a supplemental data record attached to an ACH entry, providing additional context for the payment.
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Single‐Line Support: PCE allows exactly one addenda record per PPD, CCD, WEB, or TEL transaction.
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Character Limit: Each addenda record may contain up to 80 alphanumeric characters (ASCII).
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Use Cases:
- Embedding an invoice number or purchase order for downstream reconciliation
- Passing a customer account ID to help the Receiver match the debit to internal systems
- Including a brief note or reference that clarifies payment purpose
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CTX Limitation: Because CTX (Corporate Trade Exchange) isn’t supported on PCE, multi-line or multiple addenda records per entry aren’t possible. Clients requiring extensive remittance data should use a CTX-capable solution or split payments into multiple entries.
Updated 4 days ago